Amica vs. State Farm: Which Is the Best? (2024)

State Farm earned an IQ Score of 4.6 out of 5, compared to Amica’s 4.2.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 23, 2024

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If you’re looking for new car insurance, State Farm and Amica are both good options. Both offer auto insurance nationwide and provide high levels of quality customer service. So, the best choice between the two comes down to your needs.

Amica offers more car insurance add-ons to customize your policy, but its monthly premiums are higher than the national average of $160. State Farm provides affordable rates for many drivers but has a short list of coverage and discount options.

Quick Facts
  • Amica and State Farm telematic programs offer savings for good driving.

  • While Amica rates are higher, the auto insurer has more discounts to choose from.

  • State Farm is a good choice for people who’d like to work with an in-person insurance agent.

Amica vs. State Farm: The verdict

Both companies offer home, renters, and life insurance, allowing you to save by bundling insurance products. Amica wins in coverage options, while State Farm offers lower rates. So, drivers looking to add the standard coverages to their policy at an affordable price may prefer State Farm. People who have more complex insurance needs may want to work with Amica.

While Amica mainly sells its policies online, State Farms sells policies through a network of independent agents across the country. If you want to work with an insurance agent in person, there’s likely an office near you. The best insurer for you depends on your insurance needs and personal preferences.

FactorAmicaState Farm
IQ Score4.24.6
J.D. Power customer satisfaction score833 out of 1,000833 out of 1,000
Average quote: liability only$53$53
Number of discounts1810
Number of states where it operates4948
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Amica

Amica placed No. 2 in New England in the 2023 J.D. Power U.S. Auto Insurance Study, which measures the level of customer satisfaction a company provides during the claims process.[1]

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$172/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$283/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

Read our Amica review
John - March 4, 2024
Verified

Average

The service is good, but the premiums are higher.

Janie - January 28, 2024
Verified

Rates Always Going Up

I've been a customer for years, yet every year my rates are raised! I'm paying double what other companies charge!!

John - September 11, 2023
Verified

Excellent

Amica is a great company with great prices.

State Farm

In 2022, State Farm was the largest auto insurer for direct premiums written in the United States.[2] It also finished in the top three in most regions in the 2023 J.D. Power U.S. Auto Insurance Study.[1]

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$115/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Amica StreetSmart vs. State Farm Drive Safe & Save

Amica StreetSmart and State Farm Drive Safe & Save are mobile apps that use telematics technology to track a policyholder’s driving. Both programs offer an up-front discount at enrollment, which may increase as the user practices safe and good driving. Amica members can also earn rewards to cash in as gift cards or charity donations.

Neither company will increase your premiums for poor driving recorded by the app.[3]

StreetSmart isn’t available in all states. Drive Safe & Safe is offered in all states except California, Massachusetts, and Rhode Island.[4]

Amica vs. State Farm: Which is the cheapest?

The monthly average rate for a State Farm liability car insurance policy sits at $53, which is significantly lower than an average Amica policy at $172. Your car insurance premium will vary based on factors like your age, gender, location, claims history, and more.

State Farm: Cheapest for drivers with a clean driving record

Among both insurers, State Farm offers lower car insurance rates for people with a clean driving record.

Driver TypeAmicaState Farm
Clean driving record$172$53
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for drivers with a speeding ticket

Moving violations, such as at-fault accidents and speeding tickets, will likely increase your auto insurance rates. State Farm provides the lowest car insurance rates for drivers with a speeding ticket on their record.

Driver TypeAmicaState Farm
Drivers with a speeding ticket$236$61
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for teen drivers

Among all age groups, teen drivers see the highest rates on their auto insurance policies. With the lowest rates for young drivers, State Farm is the go-to insurance company for big savings.

Driver TypeAmicaState Farm
18-year-old$215$84
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for drivers with bad credit

Drivers with less-than-perfect credit pay more for car insurance coverage. If you have poor credit, State Farm may be a cost-effective option for you.

Driver TypeAmicaState Farm
Drivers with bad credit$207$79
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for senior drivers

Seniors in their 70s may start to see their premiums increase. If you’re a senior driver, State Farm is the budget-friendly choice.

Driver TypeAmicaState Farm
Senior drivers$117$38
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Amica vs. State Farm

Both insurance companies offer the state-minimum liability auto insurance, collision, and comprehensive coverage. They also offer medical payments, personal injury protection, and uninsured/underinsured motorist coverage. Amica offers more coverage options than State Farm for added protection. 

State Farm and Amica insurance offer the following coverages:[5] [6]

CoverageAmicaState Farm
Gap insuranceYesNo
Full glass coverageYesNo
Roadside assistanceYesYes
Rental reimbursementYesYes
Rideshare insuranceYesYes
New-car replacementYesNo
Travel expenses coverageNoYes

Compare discounts: Amica vs. State Farm

Although Amica has higher rates, it offers more savings opportunities, including loyalty and homeowner discounts. The table below illustrates discount options for both car insurance companies.[7] [8]

DiscountAmicaState Farm
Clean driving recordYesYes
Defensive driving courseYesYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesYes
New carNoNo
Military/affiliationNoNo
Good studentYesYes
LoyaltyYesNo
Auto payYesNo
Student away at schoolYesYes
HomeownerYesNo
Alternative fuelNoNo

Amica vs. State Farm FAQs

Below, you’ll find answers to some of the most common questions asked about Amica and State Farm insurance.

  • How good is Amica at paying claims?

    Amica offers superior claims handling service, ranking No. 1 in J.D. Power’s 2023 U.S. Auto Insurance Claims Satisfaction survey.[9]

  • Who is State Farm’s biggest competitor?

    Amica is a worthy competitor when it comes to coverage options, customer service, and financial strength ratings. However, its car insurance policies cost significantly more than State Farm’s. Progressive is another competitor with more affordable rates than Amica, ranking second in highest direct written premiums after State Farm.

  • What is the best alternative to State Farm?

    State Farm competitors GEICO, Progressive, and Allstate provide reliable car insurance at affordable rates, but the best car insurance company for you will offer the coverage you need at the best rate. It’s a good idea to compare quotes from different companies to make the most informed decision on your insurance policy.

  • Is Amica a good auto insurance company?

    Yes. Amica ranks highly in customer satisfaction, claims handling, and financial stability. However, its rates are higher than the industry average.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Jdpower.com. "2023 U.S. Auto Insurance Study."
  2. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 5 Groups and Companies by Countrywide Premium."
  3. Amica. "StreetSmart."
  4. Statefarm.com. "Drive Safe & Save™ – Safe Driver Discounts."
  5. Amica. "Car Insurance Coverage."
  6. Statefarm.com. "Car Insurance Coverage Options."
  7. Amica. "Car Insurance Discounts."
  8. Statefarm.com. "Auto Insurance Discounts."
  9. Jdpower.com. "2023 U.S. Auto Claims Satisfaction Study."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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